NFM in Kentucky vs the state
1.1%Denial rate-17.75 pts vs state
1.4%Decision denial rate-22.05 pts vs state
71.8%Origination rate+13.79 pts vs state
6.88%Median rate+0.13 pts vs state
0.82Rate spread (pts)+0.50 pts vs state
$90kMedian applicant income
204Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 21 | 5.7% | 7.13% | #267 |
| 2024 | 44 | 25 | 2.3% | 6.88% | #252 |
| 2025 | 284 | 204 | 1.1% | 6.88% | #113 |
What NFM lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most NFM applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 82 | 52 | 2 | 2.4% |
| Boone County | 69 | 55 | 0 | 0.0% |
| Grant County | 28 | 21 | 0 | 0.0% |
| Campbell County | 27 | 21 | 0 | 0.0% |
| Pendleton County | 14 | 11 | 0 | 0.0% |
| Jefferson County | 12 | 5 | 1 | 8.3% |
| Owen County | 7 | 3 | 0 | 0.0% |
| Gallatin County | 6 | 4 | 0 | 0.0% |
| Bracken County | 3 | 3 | 0 | 0.0% |
| Nelson County | 3 | 2 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 284 applications in 2025, of which 204 were originated and 3 denied.
1.1% of all applications, or 1.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans NFM originated in Kentucky in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are NFM's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology